Work out German flat tax on investment income after the saver allowance - plus solidarity surcharge and optional church tax, no upload.
No. Everything runs in your browser - your file never leaves your device. How this is verifiable
In Germany, investment income such as interest, dividends and realised capital gains is taxed via the flat capital-income tax (officially Abgeltungsteuer, section 32d EStG). The rate is a flat 25 percent - but only on the portion above the saver allowance of 1,000 euros per person (2,000 euros for joint assessment). On top come 5.5 percent solidarity surcharge on the tax and, for church members, 8 or 9 percent church tax. Without church tax the total burden is 26.375 percent, with church tax up to 27.995 percent.
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. The saver allowance is deducted from the yearly income; the rest is taxed at 25 percent. For church members the tax is slightly reduced because the church tax is partly deductible - the calculator uses the statutory formula income divided by (4 plus the church-tax rate). It shows the flat tax, the solidarity surcharge, the church tax and the net income - instantly on every input.
An honest note: this is a model-based estimate, not tax advice. It assumes domestic income (no credit for foreign withholding tax) and the saver allowance as the only relief (a filed exemption order). Not modelled are the more-favourable-method check (those with a personal rate below 25 percent can opt for assessment at the standard tariff), the advance lump sum on accumulating funds, the partial exemption for funds, and loss-offset pots. The calculator applies to Germany only. The tax office assessment is authoritative.
| Input formats | Form inputs (no file) |
|---|---|
| Processing | Locally in your browser (JavaScript) |
| File upload | None |
Limitations: A model-based estimate of the flat capital-income tax (section 32d EStG): 25 percent on capital income above the saver allowance (1,000/2,000 euros) + surcharge + optional church tax (reduced rate via income/(4+church rate)). Not modelled: the favourable-method check, advance lump sum, partial exemption, loss offset, foreign withholding tax. Germany only. Not tax advice.
No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.
An annual allowance of 1,000 euros per person (2,000 for joint assessment). Only capital income above it is taxed. It usually requires an exemption order with your bank.
26.375 percent without church tax (25 percent plus surcharge); with church tax 27.82 percent (8 percent) or up to 27.995 percent (9 percent) on the taxable income.
Yes, slightly. Because the church tax is partly deductible, the rate falls just below 25 percent under the statutory formula (to about 24.45 percent at 9 percent church tax).
If your personal tax rate is below 25 percent, you can have the capital income assessed at the normal tariff and pay less. This calculator does not model that.